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Is Section 4 (c) of ZDERA a Sanction to Deny Zimbabwe Loans? This article examines Section 4 of the Zimbabwe Democracy and Economic Recovery Act (ZDERA), its historical and economic context, and its impact on Zimbabwe’s loan access. Discussing how U.S. policies like ZDERA affect Zimbabwe’s loan eligibility, financial independence, and international relations, the article explores neo-colonial dynamics, the role of ESAP, and the implications of recent changes in U.S. sanctions. Written by Rutendo Matinyarare, Chairman of ZASM.